No, I wish I could. We are concerned, as is everyone else, with a potential downturn. What surprises us is how well our portfolio is still holding up. As I said earlier in the presentation, our delinquency rates are holding steady. Our impaired loans are holding steady. So there's a bit of a surprise, quite honestly, even among bankers who are much older than I am, about how steady we are. So the bottom line is I don't know.
John, you've been in the business a long time.